Computerized Extension of Credit to Existing Demand Deposit Accounts, Prepaid Cards and Lines of Credit Based on Expected Tax Refund Proceeds, Associated Systems and Computer Program Products

1. A computer-implemented method of issuing a line of credit account based on an estimated tax refund, the method comprising of: determining, by a computer associated with a credit provider and configured to control a plurality of line of credit accounts, whether a consumer has one or more of a plurality of existing line of credit accounts, each of the plurality of existing line of credit accounts adapted to be drawn in at least one of a plurality of separate predetermined loan increments; determining, by the computer, an estimated tax refund for the consumer; and issuing, by the computer, a new line of credit account for the consumer, the new line of credit account being responsive to the consumer not having one or more of the plurality of existing line of credit accounts and further being responsive to the estimated tax refund, the new line of credit account further adapted to be drawn in at least one of the plurality of separate predetermined loan increments, each of the plurality of separate predetermined loan increments being equal in value so that a total value of a loan advance fee equals a predetermined loan advance fee multiplied by a number of separate predetermined loan increments drawn by the consumer.

2. A computer-implemented method as defined in claim 1 , the method comprising of: allocating, by the computer, a portion of the estimated tax refund to repay at least a portion of a line of credit balance of the new line of credit account.

3. A computer-implemented method as defined in claim 1 , wherein the new line of credit account is associated with one or more of a plurality of user card accounts associated with the consumer; and the method further comprising the step of: loading, by the computer, one or more of the plurality of user card accounts with draws from the new line of credit account in at least one of the plurality of separate predetermined loan increments.

4. A computer-implemented method as defined in claim 1 , the method further comprising the step of: adjusting, by the computer, loan fee terms for the new line of credit account responsive to an actual tax refund so that the total value of a loan advance fee equals a predetermined loan advance fee multiplied by a number of separate predetermined loan increments drawn by the consumer.

5. A computer-implemented method as defined in claim 1 , the method further comprising the step of: adjusting, by the computer, loan fee terms for new line of credit account responsive to a second estimated tax refund.

6. A computer-implemented method as defined in claim 4 , wherein the adjusting includes: increasing, by the computer, the total credit limit of the one or more of the plurality of existing line of credit accounts by a second number of separate predetermined loan increments responsive a filing of the actual tax refund to thereby increase existing available credit for the consumer by a second amount, the second increased available credit adapted to be drawn in at least one of the plurality of separate predetermined loan increments.

7. A computer-implemented method as defined in claim 6 , wherein the adjusting includes: increasing, by the computer, the total credit limit of the one or more of the plurality of existing line of credit accounts by a second number of separate predetermined loan increments responsive a filing of an actual tax refund to thereby increase existing available credit for the consumer by a second amount, the second increased available credit adapted to be drawn in at least one of the plurality of separate predetermined loan increments.